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Your chapter 13 repayment plan which shows how you propose to pay certain mandatory debts child support tax arrearages and so on secured debts on property you intend to keep and if you have sufficient income at least a portion of your other unsecured debts over the three to five year period. Heres how chapter 13 bankruptcy generall works you keep your property and repay some or all of your debts through a repayment plan which lasts for three or five years how much you pay on a given debt depends on a number of factors secured debts are treated differently than unsecured debts usually you pay only a portion of your unsecured debts through your plan the remainder is . Chapter 13 bankruptcy is a legal process that allows people to repay their debts over time while having the opportunity to keep valuable assets like a home chapter 13 bankruptcy is also called the wage earners plan because those who file need regular income to qualify. Reduce your debts save your property and start over are you behind on your mortgage taxes or other bills are creditors threatening foreclosure or repossession this book will show you how to save your house car and other assets with chapter 13 bankruptcy it lets you cancel your debts and pay off the rest with an affordable repayment plan. This plain english guide to decide if chapter 13 is right for you and to learn how to keep valuable property and discharge your unsecured debts chapter 13 legal concepts procedures and monetary calculations can be tricky nolos chapter 13 bankruptcy breaks down the chapter 13 process and